Thank you, Madam Chair.
I'll go to one of my colleagues to provide some details, but I think what I've said thus far is that it was not feasible in practice to do that and still respect our ability to get the benefits out the door in a timely way. To build the IT system to be able to use that information and incorporate it was going to push us off course. I'm not saying it couldn't be done, but it would have slowed the system, and it seemed very important at the time to get the money out the door.
In terms of the cost-benefit analysis we talked about earlier, one has to recognize that in not collecting the information up front, it's not like the money is gone forever. We always have that backstop of back-end verification. I think that's an important consideration when we think about revenue lost or what have you. We're talking about can we make it more efficient to collect it upfront versus going at it at the back end? But we always have the back-end ability, and so that factored into our thinking extensively.
I don't know if any of my colleagues want to add more specifically on what we would have done and what we could have done.